Loan Comparison: 3.03% vs 6.5%
18895 Sage Crest, Peyton, CO 80831 · 3bd/4ba · $624,900
List Price
$624,900
Assumable Rate
3.03%
Remaining Balance
$19,721
Equity Gap
$605,178
Loan Type
VAAdjust Your Scenario
$31,245
$31,245$605,178
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.03% (VA)
Blended Rate: 8.32%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,752/moAssumable @ 3.03% + gap loan
$4,497/moAssumed loan: $83/mo
Gap financing: $4,413/mo
Your Savings on This Property
18895 Sage Crest, Peyton · 3.03% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($605,178) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,245, 5% of purchase price) and a second mortgage for the rest ($573,933 at 8.5%). Even with two payments, the blended cost is typically much lower than a new conventional loan. We work with lenders who specialize in assumption gap financing.
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